I have been trying since Nov. 2008 to get my (Citimortgage) mortgage set up on the bi-weekly plan. I have mailed and faxed the information that they required, to the address that they gave me. It is not late Feb. 2009 and they still have n0 information on file. It is very difficult to get in touch with a live person and when you do, they refuse to accept any responsibility. We will try again to get the required information to them, but I have very little faith in them at this time.